If you want versatility then you have to go with a modeller. Then get high quality 2 x FRFR plus a sub woofer for extra punch. Job done.
Agreed if you're playing live and not running to the board. If you're recording at home, get a modeler and an awesome set of cans or a powered PA speaker/FRFR setup and call it a day. For home stuff, I am using my cans 99% of the time. It's all just preference though, I think.
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